FILED

United States Court of Appeals

Tenth Circuit
UNITED STATES COURT OF APPEALS

FOR THE TENTH CIRCUIT

July 9, 2014
Elisabeth A. Shumaker
Clerk of Court

ROBERT F. SARTORI,
Plaintiff-Appellant,
v.
SUSAN C. LITTLE & ASSOCIATES,
P.A.; BAC HOME LOANS SERVICING,
LP,

No. 13-2162
(D.C. No. 1:12-CV-00515-JB-LFG)
(D. N.M.)

Defendants-Appellees
ORDER AND JUDGMENT*

Before HOLMES, ANDERSON, and BALDOCK, Circuit Judges.

Robert F. Sartori, pro se, appeals from the district courts final judgment,
contesting orders granting summary judgment to defendants. Exercising jurisdiction
under 28 U.S.C. 1291, we affirm.

After examining the briefs and appellate record, this panel has determined
unanimously that oral argument would not materially assist the determination of this
appeal. See Fed. R. App. P. 34(a)(2); 10th Cir. R. 34.1(G). The case is therefore
ordered submitted without oral argument. This order and judgment is not binding
precedent, except under the doctrines of law of the case, res judicata, and collateral
estoppel. It may be cited, however, for its persuasive value consistent with
Fed. R. App. P. 32.1 and 10th Cir. R. 32.1.

I. BACKGROUND1
In January 2008, Sartori refinanced a house. He executed a note and a
mortgage. The note and mortgage identified New Day Financial, LLC, as the lender.
The mortgage identified Mortgage Electronic Registration Systems, Inc. (MERS),
and its successors and assigns, as both the mortgagee and the nominee of New Day
and its successors and assigns, and provided that MERS held legal title to the
interests granted by the mortgage and had the power to foreclose on the property. An
allonge to the note shows it was assigned to Countrywide Bank, FSB, on the same
day the note was executed. See R., Vol. 2 at 451.2 Countrywide Home Loans
Servicing, LP, began to service the loan the next month. In April 2009, Countrywide
changed its name to BAC Home Loans Servicing, LP (BAC), which is one of the two
defendants in this case. On July 28, 2009, MERS assigned the mortgage and the note
to BAC. The same day, the other defendant, Susan C. Little & Associates, P.A.
(SCLA), a law firm representing BAC, accessed Sartoris credit report from
Experian. SCLA then filed a foreclosure action in New Mexico state court on BACs
behalf and served Sartori on September 16, 2009. Sartori did not answer the
1

Sartori contests some of the facts we are about to set forth, primarily
disavowing he had an account with defendant BAC Home Loans Servicing or its
successor, Bank of America, N.A. But as the remainder of our decision makes clear,
his key contentions are either conclusory and self-serving or without record support.
As such, they are insufficient to avoid summary judgment.

An allonge is [a] slip of paper sometimes attached to a negotiable

instrument for the purpose of receiving . . . indorsements. Blacks Law Dictionary
88 (9th ed. 2009).
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complaint or otherwise challenge the foreclosure action. Default judgment was

entered, and Sartoris house was sold at a foreclosure sale on January 5, 2010.
In July 2011, BAC merged with and into Bank of America, N.A. (BANA).
Accordingly, we will refer to BANA instead of BAC unless otherwise necessary.
In August 2011, Sartori filed the action underlying this appeal. In the
controlling amended complaint, he alleged that the debt governed by the note and the
mortgage were with a creditor other than BAC, although he did not identify the other
creditor. He asserted that in their efforts to collect on the debt he owed, defendants
had violated provisions of the Fair Debt Collection Practices Act (FDCPA),
15 U.S.C. 1692-1692p; the Fair Credit Reporting Act (FCRA), 15 U.S.C.
1681-1681x; and the Telephone Consumer Protection Act of 1991 (TCPA),
47 U.S.C. 227.3 SCLA and BANA filed separate motions for summary judgment,
and a magistrate judge issued recommendations that their motions be granted. The

Sartori later sought to amend his complaint again, proposing to add new
defendants and new claims, including wrongful foreclosure and conversion. The
district court denied the motion. On appeal, Sartori has not presented any argument
on the denial of his motion to amend, stating only in the conclusion of his opening
brief that, in addition to reversing the district courts decisions on the merits and
remanding the case, he would like leave to amend his complaint to correct any
deficiencies and add newly discovered violations and defendants. Aplt. Opening Br.
at 30. This is wholly inadequate to garner appellate review. See Garrett v. Selby
Connor Maddux & Janer, 425 F.3d 836, 840-41 (10th Cir. 2005) (concluding that
pro se litigant waived appellate review where statements supporting issues consisted
of mere conclusory allegations with no citations to the record or any legal
authority). Hence, we restrict our ensuing discussion to the district courts orders
granting summary judgment to defendants.
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district court adopted the recommendations over Sartoris objections and dismissed
the action with prejudice. Sartori appeals.
II. DISCUSSION
Because Sartori has conducted this litigation pro se, we afford his filings a
liberal construction, but we do not act as his advocate. Yang v. Archuleta, 525 F.3d
925, 927 n.1 (10th Cir. 2008). Furthermore, his pro se status does not excuse him
from complying with procedural rules applicable to all litigants. Garrett v. Selby
Connor Maddux & Janer, 425 F.3d 836, 840 (10th Cir. 2005).
Our review of the district courts grant of summary judgment is de novo,
applying the same standards [as] the district court. EEOC v. C.R. England, Inc.,
644 F.3d 1028, 1037 (10th Cir. 2011) (internal quotation marks omitted). A grant of
summary judgment must be affirmed if the movant shows that there is no genuine
dispute as to any material fact and the movant is entitled to judgment as a matter of
law. Id. (quoting Fed. R. Civ. P. 56(a)). [W]e consider the evidence in the light
most favorable to the non-moving party, but unsupported conclusory allegations do
not create a genuine issue of fact. Id. (brackets and internal quotation marks
omitted).
Before turning to the merits of each of Sartoris claims, we pause to address a
fundamental factual theme Sartori emphasized in the district court and which persists
on appeal: that defendants have not proven he had any account with the initial lender
(New Day Financial), or with BAC or its successor, BANA. Specifically, Sartori
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alleges that no original promissory note was ever produced, denies that the copy of
the note bears his signature, denies having defaulted, and claims there were
irregularities in assigning and recording the mortgage and in assigning or negotiating
the note that precluded defendants from foreclosing on his property. But his
allegations that he did not have an account with New Day, BAC, or BANA, and that
he did not default on the loan, amount to only conclusory, self-serving, and
generalized denials, which are insufficient at the summary judgment stage. See
Pasternak v. Lear Petroleum Exploration, Inc., 790 F.2d 828, 834 (10th Cir. 1986)
(Conclusory allegations, general denials, or mere argument of an opposing partys
case cannot be utilized to avoid summary judgment.); Skrzypczak v. Roman Catholic
Diocese of Tulsa, 611 F.3d 1238, 1244 (10th Cir. 2010) (stating that conclusory and
self-serving affidavits are not sufficient to survive summary judgment).
For example, in his amended complaint, he alleged that he owed the debt to a
creditor other than Defendants, R., Vol. 1 at 262, but he produced no evidence (or
even an allegation) of who the other creditor was. His contention that he did not
have an account with BANA or its predecessors in interest appears primarily based
on the fact that, during this litigation, defendants produced copies of the note and
mortgage, not the originals. Moreover, his factual assertions overlook that BAC was
permitted to foreclose on the property that secured the loan associated with the
account he claims he never had or defaulted on. And even if we assume there is
some merit to his allegations regarding procedural improprieties concerning the
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transfer of the note and mortgage, they are immaterial to the bases for our disposition
because the lawfulness of the foreclosure is not at issue.
Having rejected these factual assertions, we turn to Sartoris FDCPA claim.
Under 15 U.S.C. 1692g(a), a debt collector must provide certain information within
five days of an initial communication with a debtor. If the debtor notifies the debt
collector within thirty days of receipt of that information that he disputes the debt,
the debt collector must then cease collection of the debt until it verifies the debt in
one of the ways enumerated in 1692g(b). Sartori claimed that BANA and SCLA
failed to comply with these requirements. The district court provided several
alternate grounds for granting both defendants summary judgment on that claim, but
we affirm on just one of those grounds: that the claim is barred by the one-year
statute of limitations set forth in 15 U.S.C. 1692k(d).
The district court concluded that Sartori knew in January 2009 that BANA was
attempting to collect on the debt but decided that, in any event, the statute of
limitations began to run no later than January 5, 2010, when Sartoris property was
sold at foreclosure. Because he did not file his complaint until August 10, 2011, the
court held his FDCPA claim was barred by the one-year limitations period. The
court rejected his argument that the limitations period began to run on November 19,
2010, when he claimed he discovered defendants were still involved with his credit
reports. The court also rejected his equitable-tolling argument because it was based
on an unsupported, conclusory assertion of fraud by SCLA. We agree with the
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district courts assessment. Any failure by defendants to abide by the time-sensitive

provisions of 1692g(a) or (b), if applicable, would have been wholly known to
Sartori more than one year before he filed his complaint in August 2011. We also
agree with the district court that his equitable-tolling argument is devoid of any
factual support.
Under the FCRA, Sartori alleged that both defendants violated 15 U.S.C.
1681b(f) when they pulled his credit report from Experian without a proper
purpose.4 The district court concluded that there was no evidence BANA had pulled
his credit report, but regardless of that, each defendant had a proper purpose for
obtaining itBANA to verify the accuracy of Sartoris account, and SCLA to verify
his address for purposes of serving him with the foreclosure complaint.
On appeal, Sartori points to evidence that BANA (as Bank of America Home
Loans, which ostensibly is defendant BAC) obtained his credit score on June 4, 2009.
See R., Vol. 2 at 747. Because a credit score appears to fall within the definition of
consumer reports for which there must be a proper purpose, see 15 U.S.C.
1681a(d)(1), we will assume that BANA needed such a purpose. But we easily see
a proper purpose: review or collection of [his] account, 1681b(a)(3)(A). We
further conclude that SCLA shared that purpose. Sartori contends that BANA never
established that SCLA was acting as its agent when it pulled his credit report, but we
4

In relevant part, 1681b(f) prohibits obtaining a consumer report unless it is

obtained for a purpose for which the consumer report is authorized to be furnished
under [ 1681b]. 15 U.S.C. 1681b(f)(1).
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fail to see a genuine issue of material fact given that SCLA initiated the state-court
foreclosure action the next day and served the complaint on Sartori.
Sartori also disputes the district courts grant of summary judgment to BANA
on his claim that BANA failed to comply with another set of FCRA obligations set
out in 15 U.S.C. 1681s-2(b). Under that provision, when a consumer reporting
agency (CRA) notifies a furnisher of information (such as a creditor) that a
consumer has raised a dispute about information the furnisher provided to the CRA,
the furnisher must conduct an investigation regarding the completeness and accuracy
of the information and report the results to the CRA. See id. If the information is
incomplete or inaccurate, the furnisher must report that result to all national CRAs to
which it reported the information and must correct the information as appropriate.
See id.
BANA received notices of Sartoris dispute from CRAs three times in 2011
and twice in 2012. The district court concluded that BANA conducted a reasonable
investigation all five times and informed the CRAs that the information was accurate.
On appeal, Sartori argues that BANA was not entitled to summary judgment
because it reported his debt to the CRAs without noting he disputed it. Although
some courts have held that a furnisher of information violates 1681s-2(b) if it fails
to identify that a consumer disputes the information, the dispute must be bona fide,
i.e., one that could materially alter how the reported debt is understood. Gorman v.
Wolpoff & Abramson, LLP, 584 F.3d 1147, 1163 (9th Cir. 2009) (citing Saunders v.
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Branch Banking & Trust Co. of Va., 526 F.3d 142, 151 (4th Cir. 2008)). Given our
rejection of Sartoris allegations that he did not have an account with BANA or
default on it, coupled with the fact that Sartori raised his disputes through the CRAs
after BANA (as BAC) had foreclosed on the property securing the debt, we conclude
that the dispute was not bona fide, and BANA therefore had no obligation to identify
it.
Sartori based his TCPA claim on 47 U.S.C. 227(b)(1)(A)(iii), which in
relevant part renders it unlawful to make any call (other than . . . with the prior
express consent of the called party) using any automatic telephone dialing system or
an artificial or prerecorded voice . . . to any telephone number assigned to a . . .
cellular telephone service. Sartori challenges the district courts ruling that he had
provided prior express consent to BANA to make such calls when he had given
BANA his cellphone number as a contact number for his account in February 2009 in
the normal course of business. Sartori claims that an established business
relationship is insufficient to show consent under 47 C.F.R. 64.1200(a)(1). He also
argues that consent must be express, in writing, and specifically authorize the use of
autodialed and prerecorded-voice calls to a cell phone.
We need not resolve whether an established business relationship constitutes
the prior consent necessary under the statute because the district court did not rely on

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that test.5 Although the court mentioned the similar phrases normal course of
business and normal business communications, R., Vol. 2 at 822-23, it relied on a
declaratory ruling issued by the Federal Communications Commission (FCC) in
2008. In that ruling, the FCC determined that autodialed and prerecorded-voice calls
are permissible when made to wireless numbers provided by the called party in
connection with an existing debt. In re Rules & Regulations Implementing the
Telephone Consumer Protection Act of 1991, 23 FCC Rcd. 559, 564 (2008). The
FCC explained that the provision of a cell phone number to a creditor, e.g., as part
of a credit application, reasonably evidences prior express consent by the cell phone
subscriber to be contacted at that number regarding the debt. Id.6
With its summary judgment motion, BANA provided the affidavit of one of its
assistant vice-presidents, Daniel Leon, who stated that BANAs records showed
Sartori called BANA in February 2009 and gave his cell phone number because
BANA was unable to reach him at the prior number listed on the account. R.,
Vol. 2 at 443. Under the FCC ruling, this constituted the prior express consent
required by 47 U.S.C. 227(b)(1)(A), and there is no indication Sartori revoked that
5

Indeed, some courts have reasoned that an established business relationship is

sufficient consent for autodialed and prerecorded-voice calls to residential land lines
but not to cell phones. See, e.g., Bentley v. Bank of Am., N.A., 773 F. Supp. 2d 1367,
1374 (S.D. Fla. 2011).
6

Like the district court, the FCC referred to normal business communications,
but this was only to indicate that in providing a cell phone number to a creditor, a
consumer has given permission for the creditor to use that number for normal
business communications. 23 FCC Rcd. 559, 564 & n.34.
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consent.7 Like the statute and the FCC ruling, the regulation Sartori cites, 47 C.F.R.
64.1200(a)(1), requires only prior express consent; it does not require that
consent to be in writing.8
The judgment of the district court is affirmed.

Entered for the Court

Jerome A. Holmes
Circuit Judge

Sartori summarily denies that he provided his cell phone number to BANA,
but we decline to consider this argument because he provides no record citation for
his assertion. Consequently, he has failed to preserve appellate review on this point.
See Garrett, 425 F.3d at 840-41 (explaining that the court cannot take on the
responsibility of serving as the [pro se] litigants attorney in . . . searching the
record). Hence, Leons affidavit is undisputed.
8

The only case Sartori cites in support of his argument that consent must be in
writing, Leckler v. CashCall, Inc., 554 F. Supp. 2d 1025 (N.D. Cal. 2008), was
vacated due to lack of subject matter jurisdiction, see Leckler v. Cashcall, Inc.,
No. C 07-04002 SI, 2008 WL 5000528 (N.D. Cal. Nov. 21, 2008) (unpublished).
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